National Economic Council ran the numbers recently — turns out the previous administration's policies added roughly $25K per year to what an average household was paying. That's not pocket change.

Some relief is starting to show up though. Mortgage rates? Down a couple hundred bucks monthly for most people. Still a long way from where things need to be, but at least there's movement in the right direction.

For anyone tracking macro trends (especially in risk assets like crypto), these household cost shifts matter more than people think. When families are bleeding $25K annually just to maintain their lifestyle, discretionary investment appetite takes a serious hit. Lower mortgage payments might free up some capital flow eventually.